Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9046583
Complaint Overview
Complaint ID: 9046583
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Pennsylvania
ZIP Code: 17602
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/scrub>XXXX XXXX XXXXTransunion Attn : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life. The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified. 2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and TransUnion ) . 3. Written confirmation sent to me upon the correction of my credit reports. 4. A statement detailing the steps taken to ensure such inaccuracies do not recur. Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws. I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter. Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9046583 about?
Complaint #9046583 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-19T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.